Find help when an emergency arises or your savings does not fully cover unexpected expenses.
Options that help you simplify, save, and reduce your expenses.
Use our tools to establish good financial habits that lead to long-term success.
A short-term loan that provides an alternative to expensive payday loans and tribal lenders.
Although great during emergencies, Payday Alternative Loans are not a long-term budget solution. For further assistance with saving, budgeting, reducing expenses, and eliminating debt, contact us or visit our online Financial Resource Center.
Pay less fees and interest when compared with options offered by payday lenders and tribal lenders.
Many payday lenders require you to repay the amount borrowed in full on your next payday, which can strain your budget. PALs allow you to repay the loan in manageable payments over a few months.
A personal loan used to combine debts, such as medical bills, credit cards, unsecured loans, collections accounts, and more.
Simplify your life by turning multiple payments into one manageable monthly payment.
Consolidate debts with high interest rates to lower your cost of debt, pay off debt faster, and achieve the long-term goal of becoming debt-free!
This short-term provision allows you to postpone your payment on qualified loans for one month. For a small fee, you may skip-a-payment on an eligible loan up to two times per year.Â
Use the money from skipping your loan payment as you see fit. It can provide just the amount you need to get through a rough patch.
If you have the money you need simply by skipping your loan payment(s), you won’t need to take out a new loan or put balances on your credit cards.
Avoid having missed payments reported to your credit. Skipping your loan payment through this program helps you maintain your good payment history.
Options that amend the repayment terms of a loan.
Refinancing your FiCare loan can give you a more comfortable payment. A word of caution: Refinance fees will apply and your interest rate may be higher than the original loan, costing you more money over the life of the loan.
Since this option can negatively affect your credit score, it is intended only for those struggling with serious repayment difficulties. Speak to our Collections Representatives to see if this option can benefit you.
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